OVLY earnings analysis
What we found in OVLY's 10-Q: the parts that mattered, the offsets in the same document, and what the company said about what comes next.
Our reading of the filing · Free to read, no account needed
Oak Valley Bancorp’s Q2 2026 revenue of $20.609 million and diluted EPS of $0.61 declined from $23 million and $0.67 in Q2 2025, and also fell sequentially from $24 million and $0.64. The supplied filing text provides no current gross margin, operating margin, free cash flow, balance-sheet, segment, or cash-flow figures. Management provided no quantitative guidance, stated that market-risk exposures had not changed materially as of June 30, 2026, and disclosed no material changes to the previously reported risk factors.
The parts that mattered.
Pulled out of the filing itself, with the figures the company reported.
- Revenue and EPS declined year over year
- Reported Q2 2026 revenue was $20.609 million and diluted EPS was $0.61, versus $23 million and $0.67 in Q2 2025, respectively, indicating year-over-year declines.
- Sequential revenue and EPS weakness
- Revenue of $20.609 million and EPS of $0.61 were also below the prior quarter’s $24 million and $0.64, respectively.
- Market-risk exposure stable
- Management stated that market-risk exposures as of June 30, 2026 had not changed materially since December 31, 2025.
- Effective disclosure controls
- Management reported that disclosure controls were effective as of the June 30, 2026 evaluation date, with no significant changes in internal controls during the quarter.
And the other side of it.
The offsets in the same document — the things a summary that only listed the good news would have left out.
- No updated risk-factor assessment
- The filing states that there were no material changes to the risk factors in the December 31, 2025 Form 10-K filed March 25, 2026; therefore, no newly identified risk mitigation or reduction was disclosed.
- Planned insider share sales
- Director Daniel Leonard adopted a Rule 10b5-1 trading arrangement on April 28, 2026 covering the sale of 2,750 shares over 22 months from July 2026 through April 2028.
What they reported.
What the company itself reported, taken out of the document.
- Earnings per share
- $0.61
What they said about what is next.
No quantitative revenue or EPS outlook was provided in the supplied 10-Q text; management stated that market-risk exposures as of June 30, 2026 had not changed materially since December 31, 2025.
The filing reads worse than the one before it.
What came before.
- 10-Q · May 12, 2026
- Oak Valley Bancorp reported a slight improvement in net income for Q1 2026, reaching $5,309,000 or $0.64 diluted EPS, compared to $5,297,000 in the same period a year earlier. Total revenue increased to $20.8 million,…
- 10-K · March 25, 2026
- Oak Valley Bancorp (parent of Oak Valley Community Bank) remains a community-focused commercial bank concentrated in California’s Central Valley and Eastern Sierras, operating a 19-branch network and pursuing modest…
- 10-Q · August 14, 2024
- Oak Valley Bancorp reported Q2 2024 diluted EPS of $0.71 on total revenue of $19.05M, with net interest income of $17.29M. Loans continued to grow (total loans $1,070.0M, net loans $1,057.6M), but results were down…
- 10-Q · May 14, 2024
- Oak Valley Bancorp reported Q1 results with total revenue of $18,760,000 and diluted EPS of $0.69. Revenue and net income declined year-over-year as interest expense on deposits rose and securities unrealized losses…
This is our reading of a public filing, not the filing. Read the original on SEC.gov · Educational only. Nothing here is investment advice.
Read the next one first.
We read every filing OVLY makes the day it lands, and put it next to what the options market did about it. Members get both, and an alert when a filing arrives.
Cancel anytime · Month to month · Switch tiers whenever